Is Omni Good for Auto Insurance?

Last Updated on December 22, 2025

Omni Insurance is a name drivers still see on policy paperwork in some states, but the consumer-facing brand today is usually Good2Go. Omni got its start in Atlanta, Georgia, and it later became part of a larger group that consolidated multiple brands under the Good2Go umbrella.

So, is Omni good for auto insurance? The honest answer is: it depends on what you need. If you’re shopping for a bare-bones policy with a low down payment—especially if you’ve been declined by standard insurers—Omni/Good2Go can be a practical option. If you want lots of perks, top-tier service scores, or a long list of “bells and whistles,” you’ll probably want to compare other carriers too.

In this updated review, we’ll break down how Omni relates to Good2Go Auto Insurance, what coverage and discounts you can typically expect, what to watch out for, and how to decide if it’s a fit for your situation.

Omni vs. Good2Go: What’s the difference today?

“Omni” and “Good2Go” are often used interchangeably online, which gets confusing fast. Here’s the simple version:

• Good2Go is the brand you’ll usually interact with (quoting, payments, customer portals, marketing, etc.).
• Omni may be the underwriting company name listed on your declarations page (depending on your state and product).
• Good2Go may place coverage through multiple companies, and it may also refer you to partner carriers when needed.

This structure isn’t unusual in the nonstandard/high-risk market. The key is to look at your declarations page so you know exactly which company is backing your policy and handling claims.

Where is Omni/Good2Go available?

Availability can change over time and can vary by underwriting company. According to Good2Go’s licensing information page, Good2Go Insurance, Inc. operates as an insurance agency and is licensed broadly across the U.S., with some state exceptions listed on that page.

If you live in Georgia or another state where nonstandard auto insurance is common, you’ll typically see more options overall—though your exact eligibility will still depend on your driving history, vehicle, ZIP code, and coverage needs.

Who is Omni/Good2Go best for?

Omni/Good2Go tends to focus on drivers who need to get insured quickly and affordably up front—even if their record isn’t perfect. It may be a good fit if you are:

• Shopping for high-risk drivers coverage after tickets, accidents, lapses in coverage, or multiple violations
• Required to file SR-22 insurance (or similar filings) to reinstate your license
• Primarily looking for state-minimum coverage and a low down payment
• Okay trading “extras” (like broad add-ons and premium perks) for basic coverage that gets you legal

On the flip side, if you have a clean record and qualify for preferred rates, you may find a better long-term deal with a standard insurer—especially once you compare total cost over 6–12 months (not just the first payment due).

Coverage options you can usually buy

Most drivers start with the basics and build up from there. Depending on your state, vehicle, and underwriting company, Omni/Good2Go policies commonly include:

• Liability coverage (required in nearly every state)
• Collision coverage (helps pay to repair/replace your car after an at-fault crash)
• Comprehensive coverage (helps with theft, vandalism, weather, animal hits, and other non-collision damage)

Depending on where you live, you may also see options like uninsured/underinsured motorist coverage, medical payments or personal injury protection (PIP), rental reimbursement, and roadside assistance. Not every add-on is offered in every state, and pricing can vary a lot in the nonstandard market.

Discounts and ways to save with Omni/Good2Go

Nonstandard carriers often price policies differently than “big-name” preferred insurers, so discounts may look a little different than what you’re used to. Still, it’s worth asking what you qualify for—especially if you’re working to reduce your premium over time.

Start with the big categories of car insurance discounts that can meaningfully reduce your rate, including:

• Defensive driving course discount (often helpful for higher-risk drivers, depending on state rules)
• Good driver discount (usually requires a clean recent record)
• Student driver savings (if you’re adding a teen or young driver, ask what’s available)
• Homeowner discount (even without bundling, some insurers give credit for homeownership)
• Multi-car discount (if you insure more than one vehicle)

Also pay attention to payment-related savings. Some companies offer meaningful differences in total cost depending on your pay plan, whether you choose pay in full vs. monthly, and how your auto-renewal is set up.

Third-party rankings, complaints, and what they mean

If you’re trying to decide whether Omni/Good2Go is “good,” don’t rely on one star rating alone. Use a few objective checkpoints:

J.D. Power

J.D. Power satisfaction studies typically focus on larger insurers by market share, so nonstandard brands may not appear in the rankings. If you’re trying to interpret results, start with how J.D. Power auto insurance rankings are built (and what they do—and don’t—measure).

Complaints and enforcement actions

Every insurer gets complaints, and online reviews tend to skew negative across the industry (people rarely leave a review when things go smoothly). What matters is whether there’s a consistent pattern of issues—especially around claims delays, communication, or settlement disputes.

If you run into a serious issue, you can make a complaint through your state insurance department. That’s typically the most effective path when you’ve exhausted the insurer’s internal escalation process.

Financial strength: how to check stability before you buy

Financial strength isn’t about whether a company is “big”—it’s about whether it’s likely to be able to pay claims reliably. The most recognized tool consumers use is A.M. Best ratings. However, not every company participates in every rating program.

Historically, A.M. Best announced it withdrew ratings for members of the American Independent Companies pool (which included Omni Insurance Company and others) in 2017 after a downgrade, at the request of management. If you want to read that announcement directly, see the A.M. Best release here: A.M. Best rating withdrawal announcement (2017).

Because rating participation can change, the most practical approach is to confirm the exact underwriting company on your quote and then make sure that insurer is financially stable using whatever ratings and regulatory resources are available in your state.

How claims and service usually work

Because the Good2Go brand can operate through different underwriting companies and partner placements, claims handling can vary. As a policyholder, you’ll get the best results by documenting everything early:

• Save your declarations page and ID cards (and confirm the underwriting company name).
• Take photos/videos at the scene when safe to do so.
• Collect the other driver’s info and any witness contact details.
• Follow up in writing (email is fine) after phone calls so there’s a clear paper trail.

If you’re unhappy with how a claim is progressing, ask for a supervisor, request a written explanation of any delays/denials, and escalate through your state regulator when appropriate.

How to reduce your rate and “graduate” to standard insurance

Plenty of drivers use nonstandard insurance temporarily, then switch once their record improves. The playbook usually looks like this:

• Stay continuously insured (avoid lapses).
• Keep your record clean as violations age off.
• Shop rates at renewal, and follow a plan to move from high-risk to standard coverage.

If you need coverage but keep getting declined, you may also have the option of assigned-risk auto insurance through your state’s program (availability and rules vary by state).

And if you’re filing an SR-22, it helps to know how long an SR-22 lasts in your state so you can plan your next switch without risking a lapse or suspension.

Final verdict: Is Omni good for auto insurance?

Omni (now commonly encountered through the Good2Go brand) can be “good” for the right driver: someone who needs basic coverage quickly, may be considered higher risk, and values a low down payment over premium perks. But it’s not usually the first pick for drivers who qualify for preferred carriers, want maximum add-ons, or prioritize top-tier satisfaction rankings.

Your best move is to compare quotes with the same coverage limits and deductibles, confirm the underwriting company on the policy, and use complaint/rating tools to double-check what you’re buying.